PB Golden Care

Keep you protected at all times from the unexpected and ease you from the financial burden arising from an accident.

What is PB Golden Care?

PB Golden Care is a protection plan which provides compensation in the event of injury, dismemberment or death caused solely by violent, accidental, external and visible means.

This product is created exclusively for Public Bank account holders where payment can be made via credit card/debit card/Public Bank Savings account.

How can you and your family benefit from this plan?

Accident Medical Treatment Benefit allows the insured to be reimbursed for the medical treatment expenses incurred within 365 days from the date of accident.

Broken Bones & Dislocation Benefit is payable if the insured suffers from bone fractures or dislocation within 90 days from the date of accident.

Mobility Aid Benefit allows the insured to be reimbursed for the mobility aid equipment expenses incurred if the insured suffers from bone fractures or dislocation within 90 days from the date of the accident.

Traditional & Complementary Treatment Benefit allows the insured to be reimbursed for the treatment expenses by an acupuncturist, bonesetter, chiropractor and/or osteopath incurred within 90 days from the date of the accident.

Accidental Death and Dismemberment Benefit is payable if the insured passes away or suffers dismemberment within 365 days from the date of accident.

Easy and Simple Enrolment Process where no medical examination is required.

There are 3 affordable plans with different benefit amounts.
Please refer to the Table of Benefits below.

Entry Age

Minimum Age
Insured - 45 years old (last birthday)

Maximum Age
Insured - 72 years old (last birthday)

Coverage Term

Up to age 85 years old (last birthday)

Table of Benefits

Benefits

Plan 1

Plan 2

Plan 3

i) Accident Medical Treatment Benefit1

Up to RM 5,000 per year

Up to RM 7,000 per year

Up to RM 10,000 per year

ii) Broken Bones & Dislocation Benefit2, 3

Up to RM 20,000 per year

Up to RM 25,000 per year

Up to RM 35,000 per year

iii) Mobility Aid Benefit3

Up to RM 300 per year

Up to RM 400 per year

Up to RM 500 per year

iv) Traditional & Complementary Treatment Benefit4

Up to RM 100 per visit
Subject to maximum of RM 1,000 per year

v) Accidental Death & Dismemberment Benefit2

RM 50,000

Notes:

This benefit also extends to cover dengue fever and food poisoning.

Please refer to the Schedule of Indemnities in the policy contract for broken bones & dislocation and death & dismemberment covered in your plan and the percentages of the benefit amount applicable for each type of event.

This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced a proof of bone fractures and/or dislocation by X-ray.

Traditional & Complementary Treatment shall mean acupuncture, bone setter treatment, chiropractic therapy & osteopathy. This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced a proof of bone fractures by X-ray (if required by AIA General Berhad).

What are the major exclusions for PB Golden Care?

The major exclusions are stated as below:

Pre-existing conditions

Bacterial, viral and fungal infections

Any kind of disease or sickness or congenital defects

Medical or surgical treatment (except those necessitated by accidental bodily injuries, food poisoning and dengue covered by this plan)

Suicide or intentional self-injury

Childbirth, pregnancy or miscarriage

Professional sports

AIDS or HIV infection

Mental or nervous disorders; under the influence of alcohol or use of drugs/narcotics of any kind

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the policy contract.

What if I change my mind about this coverage?

You can call the AIA Customer Service Hotline at 1-800-181-464 to cancel your policy over the phone before the policy contract is issued. Alternatively, you may cancel your coverage at any time by submitting a written notice to AIA General Berhad.

**This product is specially brought to Public Bank’s customers via its insurance program with AIA General Berhad and is sold through Telemarketing only.

Sign up today and get protected. To find out more, please contact Public Bank’s toll free line at 1-800-22-9999.